How Much House Can You Afford?
Calculate the maximum home price based on your income
$100,000
$500
$60,000
6.5%
30 years
1.2%
You Can Afford Up To
$365,874.25
Based on 43% DTI ratio
Recommended Price Range
Conservative
$310,993.11
Safer choice
Recommended
$365,874.25
Stretch
$402,461.68
Maximum
Summary
Max Loan Amount$305,874.25
Down Payment$60,000 (16%)
Max Monthly Payment$2,333.33
Debt-to-Income34%
28/36 Rule
Housing (28% max)28%
Total Debt (36% max)34%
💡 Pro Tips
- • Keep housing below 28% of income
- • 20% down avoids PMI
- • Budget for maintenance (1-2% home value/year)